Mortgage Loans

We have a Mortgage to meet your needs & budget!

First Mortgage

We can finance your next home! Cardinal Community Credit Union is a full-service Mortgage Lender. We offer conventional first mortgages with a variety of terms from 5 to 40 years as well as other first mortgage options. Cardinal Community also offers mortgage refinancing options for homeowners wishing to consolidate debt or lower their monthly mortgage payment. Click Here to View Mortgage Rates

There are No Points or Origination Fees on regular home loan programs. All of our mortgages feature In-House servicing for the life of the loan.

Get started today! Click here to access our Online Mortgage Application.

Watch for mortgage seminars held periodically by the credit union. Call our office for a complete list of interest rates and terms currently being offered for home purchase or refinance.

First-Time Home Buyer’s Program

Cardinal Community Credit Union offers this unique tool to make home buying affordable. Look at these features:

Minimum Down Payment required
Closing Cost Assistance

Please contact our Mortgage Department to obtain your home ownership dream!

Reverse Mortgage

This is an excellent financial tool used by homeowners on a fixed income to enhance their retirement years. The youngest borrower must be at least 62 years of age.

Payoff Debt
Monthly Cash Distributions
No Mortgage Payment Required

Watch for Reverse Mortgage seminars held periodically by the credit union. Please contact the Mortgage Department to see if a Reverse Mortgage is right for you!

Second Mortgage

A second mortgage can be useful to employ the equity in your home for, a purchase, debt consolidation, home improvement, college expenses or even a dream vacation. A second mortgage is a closed-end, fixed rate loan which allows you to go up to 80% of the value of your home, less your first mortgage balance. Second mortgages carry convenient terms of 60, 120 or 180 months. Click Here to View Mortgage Rates

Home Equity Line-of-Credit

A Home Equity Line-Of-Credit is a great tool for home projects, when you haven’t decided how little or how much you want to do.

Home Equity Line-Of-Credits are open ended, interest only, adjustable rate mortgages. The rate adjusts according to the current Prime Rate. A minimum payment of $100.00 a month is required.

Platinum Home Equity Line-of-Credit

The Platinum Home Equity Line-of-Credit offers a low rate of 1.5% below the current Prime Rate (5% minimum).
This program is for existing members with an active checking account and a $500.00 minimum monthly direct deposit. A minimum line-of-credit of $25,000.00 is required.

Mortgage Loan Calculator - Click Here!

Online Mortgage Application - Click Here!